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Short-term Savings Insurance
Fast Fortune Insurance Plan [Limited offer¹]
Lock in a 3-year guaranteed return of up to 3.7% p.a.², equivalent to 111.5% of the Total Premium Amount Paid³ after 3 years, helping you achieve your short-term savings goals with ease!
Gender
Age
HK$
US$
Cheque
FPS
Online banking
(1) The premium payor must be the policy applicant. Third party payment is not accepted.
(2) The maximum notional amount per insured via online application for Fast Fortune Insurance Plan is US$68,123.
It is IMPORTANT to note that if you have (a) applied for; and/or (b) are currently insured under (i) Fast Fortune Insurance Plan, (ii) Easy Fortune series or (iii) Easy WealthPlus series, your maximum notional amount for your current application under the Fast Fortunate Insurance Plan may be less than USD 68,123.
This is because the aggregate maximum notional amount across the (i) Fast Fortune Insurance Plan, (ii) Easy Fortune series; and (iii) Easy WealthPlus series per insured cannot exceed USD 70,000. Please refer to the relevant product brochure for further details.
(3) Online banking is only applicable for premiums less than or equal to HK$100,000.
(4) FPS is only applicable for premiums less than or equal to HK$400,000.
Choose a plan
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ChequeFPSOnline banking(1) The premium payor must be the policy applicant. Third party payment is not accepted.
(2) The maximum notional amount per insured via online application for Fast Fortune Insurance Plan is US$68,123.
It is IMPORTANT to note that if you have (a) applied for; and/or (b) are currently insured under (i) Fast Fortune Insurance Plan, (ii) Easy Fortune series or (iii) Easy WealthPlus series, your maximum notional amount for your current application under the Fast Fortunate Insurance Plan may be less than USD 68,123.
This is because the aggregate maximum notional amount across the (i) Fast Fortune Insurance Plan, (ii) Easy Fortune series; and (iii) Easy WealthPlus series per insured cannot exceed USD 70,000. Please refer to the relevant product brochure for further details.
(3) Online banking is only applicable for premiums less than or equal to HK$100,000.
(4) FPS is only applicable for premiums less than or equal to HK$400,000.
All premiums are calculated on standard rates and this quote is for reference only. The premium levy, which we’re obliged to collect for the Insurance Authority, is payable in addition to the actual premium to be paid.
Before proceeding, please confirm you understand this product’s features and that it fits your need(s) and affordability.
From now till 31 January 2026, by taking out Fast Fortune Insurance Plan, you can enjoy the premium discount!
If you choose to pay the premium by prepay option, you can enjoy 4.5% premium discount on the first year, allowing you to lock in a 3-year guaranteed return of up to 3.7% p.a. after such premium discount, which is equivalent to 111.5% of the Total Premium Amount Paid3 after applying such premium discount!
Terms and conditions apply.
About savings insurance
In Hong Kong, planning for the future has become increasingly important—whether it's preparing for retirement or setting aside funds for children's education. According to market research, Hongkongers believe that an ideal retirement requires around HKD 8.33 million in savings. However, a significant gap remains between this target and their actual savings⁺.
At the same time, more and more parents in Hong Kong are exploring overseas education to help their children gain global exposure and stay ahead in an increasingly competitive world. Yet this aspiration often comes with considerable financial pressure. Studies show that for popular destinations such as the US, UK, Australia, and Canada, a three- to four-year overseas degree programme can cost between USD 192,000 and USD 256,000 per student. These education expenses typically amount to around 20% of a family’s retirement savings⁺⁺ — further tightening the space for long-term planning and placing added strain on household finances.
With both retirement and education planning being key financial priorities, savings insurance products offer guaranteed returns and provide additional financial support—helping you and your families feel more secure and better prepared for future life challenges.
Who relatively needs short-term savings insurance?
For those who pursue low-risk, capital-preserving stable returns.
Simple and straightforward product design is an excellent choice for those who are about to start their financial journey.
Ideal for individuals with clear short-term financial goals who do not want their funds being tied up for long term.
The low-risk and stable-return product features can balance portfolio volatility and generate steady returns while waiting for other investment opportunities.
What’s special about Fast Fortune?
1
Lock in a 3-year guaranteed return of up to 3.7% p.a.2
2
Pay your premiums by prepay or annual pay option, enjoy exclusive rapid guaranteed wealth growth
You can pay your premiums for 2 years or in prepay option, allowing customers to enjoy wealth growth while easily achieving short-term savings goals!
Case illustration6
Total premium at original price7 (HK$) | 4.5% OFF Discounted Total Premium2,7 | Guaranteed Maturity Value8 (HK$) (B) | The maturity value is equivalent to the Total Premium Amount Paid3 = (B)/(A) |
|---|---|---|---|
100,000 | 97,750 | 109,000 | 111.5% |
200,000 | 195,500 | 218,000 | |
400,000 | 391,000 | 435,992 | |
500,000 | 488,750 | 544,984 |
The policy currency is USD. The examples above are based on an exchange rate of US$1 = HK$8, provided for reference only. The actual exchange rate applicable to premium payments will be determined at the time of the transaction.
3
Combination of savings (100% guaranteed) and life protection in one plan
| Savings | Life protection |
|---|---|
100% guaranteed return of up to 3.7% p.a.2 | Death Benefit9 = higher of 101% of the total premium paid4 or guaranteed cash value |
4
Easy and fast online application
From quotation to premium payment via online banking, the entire process can be completed online, allowing you to complete the application promptly.
Fast Fortune at-a-glance
19 - 70
USD
3 years
2 years
- Annual pay
- Prepay option (pay the 1st year premium together with the prepayment amount for 2nd year premium)
US$13,625 (per policy)
US$68,123 (per product per insured) 13
US$6,25014 (per policy)
US$31,25014 (per policy owner)
Fast Fortune Insurance Plan is underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) ("FWD Life”/ “FWD”/”We"). This eCommerce Platform is operated by FWD Financial Limited ("FWD Financial"). FWD Financial is an appointed and licensed insurance agency of FWD Life (License No. FA2568)
The product information in this website is for reference only and does not contain the full terms and conditions, key product risks and full list of exclusions of the policy. For the details of benefits and key product risks, please refer to the product brochure; and for exact terms and conditions and the full list of exclusions, please refer to the policy provisions of the plan.
Looking for other coverage?
If you’re looking for more coverage, simply contact us and we’ll get back to you with more information.
Eligibility
Please make sure you are eligible for this product before applying:
- I (and the Insured person if applicable) am a permanent HKID card holder with a Hong Kong residential address.
- Currently in Hong Kong at the time of making this application.
- I will not or have no intention to live or work outside Hong Kong or home country over 183 days in the coming 12 months.
- I am not a holder of the People’s Republic of China Resident Identity Card.
Apply online now
Fast Fortune Insurance Plan is a limited-time offer. Get a quote today and sign up online to lock in guaranteed returns!
Note: Online applicants will be requested to visit FWD Insurance Solutions Centres under the following circumstances: 1) Collection of policy documents upon issuance of policy; 2) Cancellation of policy during the cooling-off period; 3) Change of beneficiary; or 4) Full surrender. Under specific circumstances, we may request online applicants to visit FWD Insurance Solutions Centres for identity verification.
Want to know more
What is short-term savings insurance?
Short-term savings insurance is a capital-guaranteed insurance product with a relatively short benefit term and stable returns. These products typically have a term of 3 to 5 years, and upon maturity, the policyholder can receive guaranteed returns. It is suitable for short-term financial planning or capital accumulation.
What are the advantages of savings insurance?
The advantages of savings insurance are its ability to help policyholders accumulate savings steadily and achieve financial goals with a 100% guaranteed return. Additionally, savings insurance provides life protection for insured in the unfortunate event of the insured's demise before the policy's maturity date, the policy also offers death benefit.
How to compare between short-term and medium-to-long-term savings insurance?
Short-term savings insurance is suitable for customers seeking stable returns within 3 to 5 years, while medium-to-long-term savings insurance is more appropriate for long-term financial planning such as children's education or retirement reserves. When choosing between the two, one should balance personal financial goals, premium affordability, and liquidity needs.